Renter’s insurance is a policy for you to protect your belongings whether you live in a home or an apartment that is rented. It also includes liability coverage and additional living expenses if the home is temporarily uninhabitable.
Your personal property is insured with renter’s insurance in Florida. This covers the cost to replace or repair your belongings, such as furniture, electronics, and clothing up to the limit you choose of coverage.
The liability portion protects you in the case that you accidentally damage the property of another person and also if a person is injured in your home. It will pay the medical bills for an accident.
The additional living expenses are very important in the case that your home or apartment are damaged severely in a tornado or by a flood and you can't live there while it is being repaired. This portion covers the necessities you need such as a hotel room for shelter and food by Bright Beacon Insurance Inc until you can return to the rented home or apartment.
In all the above cases renter’s insurance in Florida from Bright Beacon Insurance, Inc. will cover the costs of repairs or replacement of your personal items.
Perils are the cases in which your renter's insurance policy covers you. They usually include weather-related issues as well as fire and theft. It's important to have enough insurance to cover all your items to be repaired or replaced because the policy will only pay out up to the limits you secure.
Securing renters insurance can be a task for anyone. The best idea is to make a list of all your belongings in a home inventory, so you can assess the value of each of your items and decide how much personal property coverage you should get. At Bright Beacon Insurance Inc., we are here to help you. You can stop in at the office or call us to get a quote on just the right amount of renter’s insurance that you need.